Cetelem Online Credit

Apply for a loan in 5 minutes, with immediate approval, from the comfort of your home

 Prepare your documents!

What you will need:

• A valid Hungarian permanent ID card or valid personal ID card and address card issued by Hungarian authorities

Or

• A valid passport and address card
• A valid tax ID card

 Want to ensure accuracy when completing your loan application?

• Open the online loan application guide on your computer or print it out if needed!
• Keep this page open and use it during the online application process.

 Stuck? Have a question?

• Read the FAQ or call us at +36 30 452 7325

Our Loan Offer

 Retail Loan APR 19.90% for a loan amount of 2,000,000 HUF with a term of 48 months.

The APR has been determined based on the specified loan amount and term available for the loan type, differing from the provisions of Section 9 (1) of Government Decree 83/2010. (III. 25.) on the calculation and publication of the total cost of credit indicator.
Fixed annual interest rate: 18.29%. Handling fee: 0 HUF. Term: 9, 12, 17, 24, 30, 36, 42, or 48 months. The loan amount that can be requested ranges from 25,000 HUF to 2,000,000 HUF. Required down payment depends on the purchase price: up to 500,000 HUF, no down payment; from 500,001 HUF, a minimum of 20% of the purchase price.

Representative example for a purchase price of 2,500,000 HUF:

Terms and Documents

 Loan applications can be submitted to our Bank by individuals who meet the following criteria:

• Natural person
• At least 18 years of age
• Permanent residence in Hungary
• Documented, regular income
• Direct contact availability via landline or postpaid mobile phone at the residence address
• For employees: direct contact availability at the workplace or place of work via phone
• Active employment without being in a probationary period or under termination

 Documents necessary for credit evaluation:

1. Documents proving identity and address
   • A valid Hungarian permanent ID card or valid personal ID card and address card, new card-format driver’s license and address card, or
   • A valid passport and address card
2.  Additional document
   • Valid tax ID card
3. Documents proving income

 If you are an employee

 An employer’s certificate of employment that is not older than 30 days, stating a minimum of 3 months of continuous employment with the same employer, in the form provided by Magyar Cofidis Zrt., or equivalent, including all relevant information
Or
 The last 3 statements of the bank account where the income from employment with the same employer for at least 3 months can be clearly identified in both purpose and amount. For pension verification, the last monthly bank statement is required.

 If you are self-employed or a company owner

 For entrepreneurs, company owners, non-employee managers, individual entrepreneurs, and family business employees, an income certificate from the tax authority is required.

 If you are a farmer

 For farmers, an income certificate from the tax authority is required.

 If you are retired

The last pension slip or a bank statement from the account where the pension is paid, not older than two months, clearly identifying the pension in purpose and amount. For permanent disability or rehabilitation benefits, the decree specifying the duration of the benefit must be provided.

 Beyond the above, the Bank may request additional documents. In the case of other income-replacement benefits, the Bank decides on creditworthiness based on individual assessment.

 Applicants without employer certificates (entrepreneurs, non-employee managers, family business employees) are not eligible for loan applications.

Downloadable Documents

• 19.90% APR Loan Details
• Employer’s Certificate
• Agency Information
• Income Change Effects Overview
• Online Contract System Terms of Use

Links

• Information about the risks of over-indebtedness:

https://www.mnb.hu/letoltes/tajekoztato-a-tulzott-eladosodottsag-kockazatairol-mintatajekoztato-2025-01.pdf

• Cetelem Documents:

https://www.cetelem.hu/segedlet/dokumentumok

Income Change Effects Overview

Agency Information

 Company Name: Mobili Italiani Kft.

 Headquarters: 1225 Budapest, Nagytétényi út 67.

 Mailing Address: 1225 Budapest, Nagytétényi út 67.

 Supervisory Authority: Hungarian National Bank (Central Mailing Address: 1850 Budapest, Central Phone: (36-1) 428-2600, Central Fax: (36-1) 429-8000, Email: ugyfelszolgalat@mnb.hu)

 Our company is listed in the register of intermediaries maintained by the Hungarian National Bank. The register can be verified at the above contact details or via the www.mnb.hu website.

 Our company acts as a dependent intermediary on behalf of and in the interest of Magyar Cofidis Zrt., representing the interests of the principal.

 Our company does not receive a commission for concluding financial service contracts.

 Our company ensures that customers can submit complaints about our conduct, activities, or omissions either orally (in person or by phone) or in writing (in person, by post, by fax, or by email).

The Magyar Cofidis Zrt. accepts written complaints at its headquarters on all working days from 8:00 to 16:00, and phone complaints on all working days and one extended working day (Monday) from 8:00 to 20:00. Complaints are handled immediately if possible; otherwise, a written response with reasons will be provided within 30 days. The Financial Arbitration Board resolves disputes outside court proceedings related to financial service contracts.

 Our company does not charge a fee for financial services other than those explicitly listed, such as delivery and furniture assembly fees.

 Our company does not provide personalized advice related to loans or financial leasing for real estate.